Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

When it comes to credit cards and loans, we are faced with a plethora of information which is why it is so important that we first take the time to educate ourselves and understand these terms and ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...